Northeast Security Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 3.3% from Q1 2026 to Q2 2026, ending at $33.6M against $32.5M. It was the largest change among the key lines on this page. Within Iowa, Northeast Security Bank is 36th of 114 on CET1 ratio, 15.42% as of Q2 2026, above the middle of the field. At 15.42%, Northeast Security Bank's CET1 ratio is close to the 15.07% median for banks in the $100M-1B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.42% |
| Tier 1 risk-based capital ratio | 15.42% |
| Total risk-based capital ratio | 16.67% |
| Tier 1 leverage ratio | 10.77% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $48.1M |
| Tier 1 capital | $48.1M |
| Total risk-based capital | $52.0M |
| Total equity capital | $51.0M |
| Risk-weighted assets | $312.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.05% |
| Tangible equity to tangible assets | 9.22% |
| Equity capital to average assets | 11.20% |
| Internal capital growth rate | 8.59% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $21.7M |
| Retained earnings | $33.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.47% | 15.47% | 16.72% | 9.98% | $276.5M |
| Q4 2023 | 14.33% | 14.33% | 15.58% | 10.00% | $301.8M |
| Q1 2024 | 14.65% | 14.65% | 15.90% | 9.91% | $291.0M |
| Q2 2024 | 14.59% | 14.59% | 15.84% | 10.18% | $296.3M |
| Q3 2024 | 15.08% | 15.08% | 16.33% | 10.46% | $295.9M |
| Q4 2024 | 15.10% | 15.10% | 16.35% | 10.45% | $301.3M |
| Q1 2025 | 15.05% | 15.05% | 16.30% | 10.35% | $298.8M |
| Q2 2025 | 15.29% | 15.29% | 16.54% | 10.61% | $301.8M |
| Q3 2025 | 14.93% | 14.93% | 16.18% | 10.63% | $308.6M |
| Q4 2025 | 14.77% | 14.77% | 16.02% | 10.65% | $318.5M |
| Q1 2026 | 14.95% | 14.95% | 16.20% | 10.68% | $314.8M |
| Q2 2026 | 15.42% | 15.42% | 16.67% | 10.77% | $312.3M |
Northeast Security Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northeast Security Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Northeast Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18384) · FFIEC NIC profile (RSSD 442244)